Cooperativa de Ahorro Y Credito Aguas Buenas in Puerto Rico vs the state
5.3%Denial rate-10.50 pts vs state
7.1%Decision denial rate-11.36 pts vs state
68.4%Origination rate+1.19 pts vs state
7.00%Median rate+0.88 pts vs state
1.32Rate spread (pts)+1.26 pts vs state
$110kMedian applicant income
13Loans originated
1Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 14.3% | 7.50% | #54 |
| 2024 | 7 | 7 | 0.0% | 8.95% | #57 |
| 2025 | 19 | 13 | 5.3% | 7.00% | #54 |
What Cooperativa de Ahorro Y Credito Aguas Buenas lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Cooperativa de Ahorro Y Credito Aguas Buenas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aguas Buenas Municipio | 6 | 3 | 0 | 0.0% |
| San Juan Municipio | 2 | 1 | 0 | 0.0% |
| Bayamón Municipio | 2 | 2 | 0 | 0.0% |
| Guaynabo Municipio | 2 | 1 | 1 | 50.0% |
| Trujillo Alto Municipio | 1 | 1 | 0 | 0.0% |
| Dorado Municipio | 1 | 1 | 0 | 0.0% |
| Carolina Municipio | 1 | 1 | 0 | 0.0% |
| Caguas Municipio | 1 | 1 | 0 | 0.0% |
| Juncos Municipio | 1 | 1 | 0 | 0.0% |
| Luquillo Municipio | 1 | 1 | 0 | 0.0% |
Other large lenders in Puerto Rico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | C | 3,894 | 20.4% | 6.25% |
| Firstbank Puerto Rico | C | 3,233 | 22.0% | 5.75% |
| Oriental Bank | C | 1,708 | 20.0% | 5.50% |
| The Money House | B | 1,602 | 10.8% | 6.00% |
| First Equity Mortgage Bankers | D | 1,517 | 17.7% | 6.00% |
| Preferred Mortgage | C | 732 | 11.6% | 5.75% |
| Hr Mortgage | D | 697 | 20.8% | 6.25% |
| Home Mortgage Bankers | C | 678 | 0.3% | 6.50% |
| Metro Island Mortgage | A | 588 | 0.2% | 5.75% |
| Trust Mortgage | C | 559 | 8.1% | 5.75% |
Frequently asked questions
Puerto Rico: 19 applications in 2025, of which 13 were originated and 1 denied.
5.3% of all applications, or 7.1% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Cooperativa de Ahorro Y Credito Aguas Buenas originated in Puerto Rico in 2025 was 7.00%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito Aguas Buenas's own HMDA filing for properties located in Puerto Rico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology